Cropped shot of a woman hanging an open sign on the door of her store.

U.S. Small Business Administration (SBA)

Payroll Protection Program (PPP)

Pan American Bank & Trust is partnering with Kabbage1 to reopen the Paycheck Protection Program (PPP) portal to applicants.


Make sure you have this required documentation ready:

All Applicants

All applicants should be prepared with the following:

  • Business start date
  • Bank account and routing number

Sole Proprietors and Self Employed

Suggested documents for sole proprietors, self-employed and individual contractors:

  • 2019 IRS Form 1099-MISC for any independent contractors paid, not to exceed $100,000 for the year
  • 2019 IRS Form 1040-C if your business is a sole proprietorship

If you have employees

Applicants with employees will need the following:

  • 2019 IRS Form 941 for quarterly salary, wages, commissions, and tips
  • 2019 IRS Form 944 same as 941, but annualized
  • 2019 IRS Form W-3
  • 2019 IRS Form 940 for any unemployment costs
  • 2019 IRS Form 1099-MISC for any independent contractors paid, not to exceed $100,000 for the year
  • 2019 IRS Form 1040-C if your business is a sole proprietorship
  • Monthly payroll statements that will provide the following information
    • Salary, wages, commissions, or tips (not exceeding $100,000 annually for each employee)
    • Costs for vacation, parental, family, medical or sick leave
    • Costs for separation or dismissal of employees
    • State & local taxes assessed on employee compensation

Why does Kabbage, Inc. need my bank account information?

Kabbage will use your financial information to determine your eligibility for credit. Kabbage asks that you link this information online so they can assess your business performance quickly and in an automated fashion and save you from the hassle of having to prepare financial statements or digging up old paperwork.

Keep in mind that you are entering this information into a secure platform for a transaction that you initiated. Please refer to the example of what this request will look like. You should never respond to requests for your personally identifiable information or bank account information that are requested by email or phone without confirming that the request is legitimate. If you have received this type of communication, you can email or call them at 888-986-8263 to confirm the request is legitimate.

How secure is my information?

Kabbage takes your security very seriously and follows the required information security practices to maintain the integrity of your information. Kabbage can never see or store login credentials, and Kabbage will have no access to change your bank account data. Kabbage customers have securely connected more than 1 million data sources to be automatically reviewed. Kabbage is A+ rated by the Better Business Bureau and certified for its commitment to customer privacy. For more information, review the Security of Information section of Kabbage’s Privacy Policy.

Pan American Bank & Trust Conforming Loan Payment Notice

1Pan American Bank & Trust will not be the lender on your PPP Loan. Kabbage provides PPP Loans directly as an approved U.S. Small Business Administration (SBA) lender and indirectly on behalf of one or more approved SBA lenders. Loan agreements will identify the lender to your small business at signing.